High Fire Risk Areas
Tenaja - La Cresta - La Cresta Highlands - Meadow Oaks -
Moving to the Santa Rosa Plateau, already a resident, Tenaja, La Cresta, La
Cresta Highlands, Meadow Oaks or De Luz or Temecula Wine
country, with the unique land uses and risk of wild
fires your regular home owner insurance that used to
cover your last home maybe not be suitable here. Most
regular homeowner policies exclude livestock including
horses. As a La Cresta resident let me help advise you on coverage for
also covered across the country, Call or email for more
Through Laurel Fowler Insurance
Inc. we also provide other types of insurance coverage,
not just for horses.
& RANCH INSURANCE
at home, has your hobby or home business grown into more
than you regular homeowner insurance will cover
The farm/ranch policy offers both
flexibility and broad protection for today’s ranch
owner. Whether you operate your horse farm as
individual, partnership, or a corporation we can offer
the necessary insurance protection that YOU need.
Coverage is available for all of your
different types of farm structures and Tenant Dwellings.
From the dwellings you live in, including your contents,
to your barns and other outbuildings hay barn, garage,
workshop, pipe pens, mare motel, and/or arena. We
can also add other types of property such as jewelry,
furs, art which can be scheduled.
Loss of Use coverage provides payment
for certain losses when your home is damaged and
rendered uninhabitable because of an insured loss.
Scheduled Farm Property coverage
provides protection the farm personal property that you
specifically name. (I.e. Tack, Tractors, Equipment,
ATV’s and/or Golf Carts)
Unscheduled Farm Personal Property
coverage provides specified perils coverage such as hay,
shavings, feed & misc. items usually valued at
$2,000 & under for the farm personal property that
you use in your farming operations.
Hay, Shavings, Feed, & Misc.
Items usually valued at $2,000 & under.
For an additional premium, coverage
for your farm machinery, farm buildings and structures
can include accidental direct physical losses. This
coverage may provide for additional losses such as
partial or total collapse of farm buildings.
Farm Liability provides Liability
Coverage up to the limits in the policy for damages
because of bodily injury or property damage caused by an
occurrence to which this insurance applies
Miscellaneous Farm Property including, entrance gates,
fencing, pumps, well/well houses, signs can be added.
On a separate policy, coverage is
available for personal automobiles, trucks, truck
tractors, horse trailers and trailers used in farming or
related to an agricultural operation. Agri
umbrella liability is available, too, with limits of $1
million to $10 million for excess limits above
underlying insurance for liability and business auto
coverage’s. Higher limits are also available.
Please call now for more information and application
Not sure what insurance you need
or email and we are happy to explain the different types
of insurance coverage to you.
For more information or
for a free quote, please contact
Your Mane Insurance Source
Daren & Diana Humphries
Fax (951) 600-9621
*Please note: This website provides only a simplified
description of coverage’s and is not a statement of
contract. Coverage may not apply in all states.
When you receive your policy please read the complete
details on coverage’s, limits, conditions, exclusions
and all endorsements.